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Comprehensive Course Webinars On-Demand



(90 minute session) Webinars are in-depth on compliance and operational topics from nationally recognized experts. Includes online link, handout materials, online access for 6 months from live session date and free CD.


TUITION: $209.00




October 1
Advanced Bankruptcy Issues
Elizabeth Fast, JD, CPA, Spencer Fane Britt & Browne, LLP

Consumer bankruptcies are becoming more complicated and there are new bankruptcy forms that financial institutions must file. Attend this program, and gain the knowledge necessary to strengthen your financial institution’s position in Chapter 7 and 13 consumer bankruptcy situations. The actions your financial institution must take to protect its interests – and the actions that are prohibited – will be detailed. In addition, this webinar will address more-advanced bankruptcy concepts, such as: exempt property, fraudulent transfers, preference payments, when a cram down is permitted, when a reaffirmation agreement is required, and when the new bankruptcy forms must be filed.



  • When can the right of setoff be exercised bankruptcy?
  • Are reaffirmation agreements a good idea?
  • What can be done after the debtor is discharged?
  • What should be done if the trustee claims a preference payment was made to the credit union?
  • When must previously-repossessed collateral be returned?
  • Can a debtor voluntarily agree to pay a financial institution outside of the Chapter 13 plan?


October 2
From Prospect to Member: Skills & Tools for Successful Business Development
Tim Tivis, Pinnacle Training Group

The methods for acquiring credit union members are changing at a rapid pace. Because of technology, delivery of services is shifting to a more mobile approach. No longer can successful credit unions sit idle and wait for members to come through the door. To sustain long-term growth, a proactive “go out and get ’em” approach must be taken. Now more than ever, it is critical to take your message to the streets. This webinar is designed to help you engage in a powerful process that identifies and helps turn potential prospects into loyal members!



  • Define your end game: who are your prospects and where are they.
  • The Prospect to Member System: specifics on five key areas of business development.
  • Proven, conversational scripts to use from the initial call, to asking for action, to gaining referrals
  • The six “Rs” for successful closing.
  • How to influence the variables and manage what is controllable for effective results.
  • The incredible value of measuring performance from the success of others.


October 8
Documenting Your Strategic Plan Years 1, 3 & 5: Meeting Examiner Expectations
Jeffrey C. Gerrish, Gerrish, McCreary, Smith, Consultants, LLC

Strategic planning is no longer just for the “big players” in the industry. It is no longer something merely done when regulators demand it. Now all organizations are proactively and critically assessing how their organizations are run and how they plan for the future. To keep the regulators happy at examination time, the strategic planning process needs to be formalized into a wellwritten strategic plan. This webinar will provide an overview of the strategic planning process; outline various techniques and elements in drafting the written plan; and address the plan’s scope in light of regulatory requirements and forward-looking supervision.



  • Discussion of long-term environmental issues to consider when planning.
  • Adopting a positive approach to strategic planning.
  • How to know when your strategic planning is a waste of time.
  • Understanding regulator expectations.
  • Discussion of substantive strategic planning considerations.


October 9
Electronic & Hard-Copy Records: What to Keep, What to Destroy, What Holds Up in Court
Elizabeth Fast, JD, CPA, Spencer Fane Britt & Browne, LLP

Various regulations and federal and state laws mandate a credit union’s retention of specific documents (both traditional paper documents and electronically-stored information) for a designated period of time. Unfortunately, these laws overlap and conflict, causing confusion. In the past, some institutions simply retained all records permanently “to be on the safe side.” That isn’t practical today, because retaining all records can actually harm the credit union. All credit unions must have a systematic document-retention and destruction policy that covers electronically-stored information and traditional paper documents. This webinar will address the legal requirements and practical considerations for both electronic and paper document retention and destruction.



  • What documents should be kept and for how long?
  • How should electronic records be handled?
  • How can an effective document retention policy help your credit union?
  • What are the pitfalls to watch for?
  • What special action must be taken when litigation is threatened against your credit union?

* Please Note: Wisconsin State Charter Credit Unions must adhere to the record retention requirements in the Financial Managers Society Record Retention Manual. In additional to the above session material.


October 22
Health Care Reform: Update, Deadlines, Impact
Ross Manson, Eide Bailly, LLP

As health care reform becomes reality, employers have many questions about the impact on their business and employees. What are the compliance requirements for health care reform? This session will discuss the changing landscape of providing employer-sponsored insurance and what you need to do to prepare.



  • Changes to health care reform and the impact on employers
  • Employer reporting requirements
  • Progress update on the set-up of state and federal marketplaces
  • Available health care options and the decisions your credit union must make for implementation in 2014 and 2015


October 23
Dealing with Adverse Action: What to Do & When to Do It
Ann Brode, Brode Consulting Services, Inc.

Proper adverse action notification is a compliance requirement that has to be done correctly. Accurate completion of adverse action notices is important for several reasons:

  1. Their accuracy and timeliness are reviewed during compliance exams
  2. Adverse action notices are the cornerstone of fair lending examinations
  3. Inconsistent, inaccurate notices could result in the credit union being required to go back six months, review past notices, and resend accurate denial notices. (Imagine the reaction of a past,  unsuccessful borrower who receives a reminder denial notice!)

This webinar will cover the important issues of proper, timely handling of denial notices in accordance with Regulation B. In addition, it will address how to include denials in the sample for your internal comparative file review for fair lending compliance.



  • Timing requirements of Regulation B for denials
  • Inquiry versus application (when an inquiry becomes an application)
  • Special considerations for commercial denials
  • FACT Act requirements for denial notices
  • Common errors in completing adverse action notices
  • Requirements for incomplete and withdrawn applications
  • How to appropriately document withdrawn applications
  • Handling counteroffers
  • Second reviews of adverse action notices for fair lending purposes
  • Comparative file review for fair lending on denials


October 24
HMDA Solutions: Achieving Data Integrity for Effective Fair Lending Analysis
Susan Costonis, Compliance Consulting and Training for FIs

The disclosure reports for the 2012 HMDA reporting year will probably be available by September. What story will your institution’s HMDA performance tell to regulators, community groups, the press, and anyone with Internet access? Will your credit union compare favorably with competitors or will your data trends reveal potential discriminatory lending practices? How will you know?


This webinar explains the examiners’ approach when analyzing HMDA performance. You will receive practical analysis tools to monitor HMDA activity throughout the year to proactively manage fair lending concerns. HMDA data analysis is the first step to defend your fair lending program. Learn how to document that your lending practices are based on non-discriminatory factors and avoid a “criteria interview” and a fair lending exam.



  • Data integrity and accuracy are crucial. Learn the definitions, common reporting errors, and best practices for HMDA data validation, including tips for using the new HMDA Getting it Right!Guide released April 18, 2013, and the FFIEC geocode system that was updated July 10, 2013.
  • NEW! The NCUA issued a new Fair Lending Guide in March and explained their expectations for fair lending compliance, including the importance of accurate HMDA reporting and analysis.
  • Could your credit union be a “HMDA outlier” because the data shows the lending patterns are outside the normal range for pricing, denials, withdrawals, or lending terms? What’s normal?
  • How to identify pricing discrimination triggers from the most-recent fair lending exam “benchmarks”
  • Learn how to avoid common analysis mistakes and correctly compare “apples to apples.”


October 29
Critical Risk Factors in Loan Portfolio Management
Kevin Graff & Cynthia Brzeski, Wipfli, LLP

Kevin Graff & Cynthia Brzeski, Wipfli, LLP The current economic climate has created a need for credit unions to review their member business-lending credit process. With increased scrutiny and monitoring of member business lending, this is an ideal time to revisit the credit culture to ensure alignment with the strategic vision of the credit union. This webinar will address the significance of credit culture as it relates to effective loan portfolio management. Several critical factors will be reviewed during this session, including the role of credit culture and current findings from loan review and examination reports.



  • Key factors in an effective loan portfolio management program
  • Key areas of continued focus for loan portfolio management
    • Appraisals and evaluations
    • Global cash flow
    • Risk rate methodology


November 6
Call Reports: What to Look for, Entering Information & Why It’s Important
Stephen J.M. Schiltz, CPA, CliftonLarsonAllen LLP

The NCUA 5300 Call Report is continually evolving and contains quarterly-updated financial information for each credit union. This required report includes financial and general information used by regulators, auditors, credit union management, supervisory/audit committees, staff, and others to ascertain the financial health and stability of a credit union.


This webinar will cover recent changes to the call reporting process and will tackle the challenges you may experience. The goal is to increase your understanding of the process, accurately report critical information, avoid common – yet costly – mistakes, recognize trends, and update the report completely.



  • Critical areas to review for completeness and precision
  • Increase accuracy of the data entered in your call report
  • Determine correct separation of duties to improve accuracy
  • Maintenance of supporting documentation to assist outside parties
  • Monitor new requirements, trends, and proposed regulations


November 12
Managing IRA Beneficiary Designations & Distributions
Frank J. LaLoggia, LaLoggia Consulting, Inc.

Managing IRA beneficiary designations and explaining allowable distribution options to IRA beneficiaries may very well be the most complex area of administering your IRA program. If you deal directly with members or have IRA operational or reporting responsibilities, this session is for you. It will thoroughly cover the rules and best practices surrounding beneficiary designations, allowable distribution options, and processing procedures.Whether you are new to the IRA arena or an experienced professional, this webinar will provide a solid understanding of IRA beneficiary rules, important considerations, and reference tools needed to confidently provide IRA beneficiaries with the information required to make informed decisions. Join us to learn the current guidance on processing, titling, and government reporting associated with beneficiary IRAs.



  • The four most common categories of beneficiary designations and proper documentation
  • Allowable beneficiary distribution options
  • How an IRA member’s age at death affects beneficiary options
  • Identify your responsibilities (versus best practices) to assist and notify beneficiaries of their options
  • How your IRA agreement may limit or affect beneficiary options
  • Potential pitfalls of certain trust and estate beneficiary designations
  • IRA custodian’s responsibilities for titling and reporting on beneficiary IRAs


November 13
Mobile Payments for Credit Unions: Impacts, Choices & What to Do Next
Lee Wetherington, AAP, ProfitStars * Convention 2013 Keynote Speaker

“The revenue upside for financial institutions and merchants from the mobile-marketing transformation could be a trillion dollars or more – if the first generation of mobile wallet providers doesn’t lay claim to it first.” – Steve Mott, Better Buy Design


In May, the Federal Reserve concluded that if financial institutions don’t leverage their unique advantage as trusted entities for consumer mobile payments, they risk being reduced to passive transaction processors. Consumers already conduct half of their online purchases with mobile devices, and there will be 60 million mobile payments users by 2017, creating $1.4 billion in mobile point-of-sale volume. Most industry experts believe cash and credit cards will be replaced by smartphone payments within eight years. How will credit unions fare with the advent of mobile payments and mobile commerce? Do credit unions have unique advantages to leverage? If so, how? Join us for a look at the future of mobile payments and learn the strategic and tactical positioning that will best serve your credit union.


  • Wallets: mobile versus digital versus invisible
  • State of mobile/digital payments: Durbin, EMV, and mobile NFC
  • Mobile payments: what’s the big deal, really?
  • Digital/mobile wallet review: what’s working, what’s not, what matters
  • Mobile payments: what we know, what we don’t
  • How credit unions can win the mobile/data wars
  • Best options for credit unions: what to do next


November 18
The 25 Most Important Things to Know About the New Mortgage Loan Origination Rule Changes Before January 10, 2014
Stephanie Kalahurka, Spencer Fane Britt & Browne, LLP

An overwhelming volume of new mortgage rules will become effective in January 2014. The new mortgage rules have been bombarding us for over two years now, and they have changed since their initial proposal. Are you up-to-date on the new rules? This webinar will identify the areas of your financial institution that may be affected, highlight available exceptions, and explain the most important aspects of the rules.



  • Amendments to mortgage loan originator compensation rules under Regulation Z
  • Ability to repay and qualified mortgage standards under the Truth in Lending Act
  • Homeownership counseling requirements
  • Appraisals for higher-priced mortgage loans
  • Disclosure and delivery requirements for copies of appraisals and other written valuations under the Equal Credit Opportunity Act
  • 2013 HOEPA rule


November 21
Form 1099 Reporting: Third-Party Vendors, Foreclosures, Debt Forgiveness & More
Elizabeth Fast, JD, CPA, Spencer Fane Britt & Browne, LLP

Financial institutions are required to report many types of 1099 forms to the IRS each year. Does your credit union know when and how to file each type of 1099? For example, Form 1099-A must be filed when you foreclose on collateral. You must file Form 1099-MISC if your credit union awards a prize worth $600 or more. Form 1099-INT must be filed when you give $10 to a member to open a new account. Join us to learn the proper use of the forms listed below, when they must be filed, and review the new version of each form for the 2013 tax year.



  • What to report, when to file, and penalties for not filing properly
  • 1099-A: Acquisition or Abandonment of Secured Property
  • 1099-C: Cancellation of Debt
  • 1099-INT: Interest Income
  • 1099-MISC: Miscellaneous Income


November 22  (Archive Only)
The 5 Definitions of a Qualified Mortgage Under CFPB Rules Effective January 10, 2014: Including September 2013 Rule Changes
Bill Elliott, Young & Associates, Inc.

In an effort to make the Dodd-Frank Qualified Mortgage “fit” in more situations, the Consumer Financial Protection Bureau has given us five definitions of a qualified mortgage. While not all will apply to every financial institution, every institution that makes mortgage loans will use one of the five definitions – most will use more than one. As we hurtle toward the January deadline, this webinar will assist you in considering all the options and ensure that all your mortgage loan types are compliant and ready to go.


(Note: This webinar will not cover other definitions of a Qualified Mortgage – such as those recently proposed by HUD for their FHA program. Because the HUD rule will not be final by the January deadline, we will save that discussion for a later date.)



  • The five qualified mortgage definitions
  • The different requirements for each definition
  • Its impact on your financial institution
  • Last-minute preparation suggestions
  • Decisions that need to be made


November 26
Compliance Update on Nonresident Alien Accounts: Opening, Tax ID Numbers, IRS Issues & More
Mary-Lou Heighes, CUCE, Compliance Plus, Inc.

Dealing with nonresident alien accountholders adds another layer of issues to account opening, maintenance, and reporting. Who is considered a nonresident alien? What questions should be asked at account opening, not only for compliance purposes, but also to ensure we can provide the needed services (e.g., foreign wire and ACH capability)? Who is eligible to complete a W-8BEN? What are the IRS 1042-S reporting requirements? What is the difference between a Social Security number and an ITIN? This webinar will provide the insight you need to handle these issues effectively and still provide great member service.



  • Types of identifying numbers that can be utilized for CIP compliance
  • Tax reporting issues for nonresident aliens
  • Acceptable forms of identification when someone does not have a U.S. state-issued driver’s license or ID card
  • Special red flags for money laundering and terrorist financing
  • Enhanced customer due diligence (CDD) and PEP status
  • OFAC compliance


December 4
A Fresh Look at Robbery Preparedness

Barry Thompson, Thompson Consulting Group, LLC
NCUA Regulation Part 748 requires credit unions to have a written security program designed to protect themselves against robberies, burglaries, larcenies, and embezzlement. Today financial institutions encounter a number of threats including:

  • Opening procedures that get thwarted by people who arrive two hours early, which causes problems for the opening team
  • Closing procedures that are often overlooked can cause the financial institution to become a robbery target
  • ATM robberies
  • Potential terrorist threats

The FBI has developed a new program titled “Bandit Shield” that is being used extensively in Texas. It stresses the fundamentals of protecting the financial institution. This webinar will review what the FBI has successfully established in Texas and provide a fresh look at the robbery equation.



  • How Internet websites can cause robberies
  • Robbery techniques using bombs or hand grenades
  • Recent robbery stories you can use to train staff
  • How robbery photos could make your financial institution a potential target

December 5
Cracking the Code on Risk-Based Examinations: 10 Techniques to Ace Your Next Exam
David A. Reed, JD, Reed and Jolly, PLLC
Your credit union should view a regulatory examination as an opportunity to show off your operations, instead of treating it as an enemy invasion. How much time and effort is diverted from member service every time you prepare for an examination? Regulators are more risk averse now than ever, and credit unions are feeling  increased pressure. While examiners are spending more time in your office, you are spending more time away  from your core mission. But with smart preparation, more scrutiny doesn't have to mean more time spent on compliance. 

Don’t forget that regulatory examinations are open book tests!  Regulators are not trying to surprise you and they provide plenty of notice of their intended targets – if you know where to look. This webinar will cut through the  “regulatory speak” and show how concentrated preparation around key regulatory and operational issues can put examiners at ease and get you back to member service. This session will review the current regulatory climate and core regulatory concerns, as well as reveal the best practices for planning, preparing, and engaging the  examination team. Don’t be ill prepared for the new  realities of credit union examinations. 


  • Understanding and presenting the credit union’s risk  profile
  • Recent regulatory examination guidance
  • Examination trends and hot topics
  • Hidden secrets of the examination manual
  • Utilizing NCUA’s AIRES questionnaires
  • Best practices for preparing your key process stakeholders

December 10
Managing Day-to-Day ACH Risk
Karen Sylvester, AAP, NCP, EPCOR 
Are there risks in the ACH Network? Absolutely! However, there are also practical applications that operations staff can employ to safeguard your institution. The first step is identifying those risks. This webinar will raise your awareness of such ACH risks as funds availability, mishandled returns, commercially-reasonable security and more, plus evaluate common, easy-to-implement mitigation practices.


  • Potential ACH risks and mitigating controls to help prevent loss
  • Vulnerabilities and areas of improvement in daily operations activities
  • Common practices to enhance processes and procedures to manage risk and improve compliance

December 11
Documenting Your Required Information Security Program
Dr. Kevin Streff, Secure Banking Solutions
Recently, FFIEC announced the formation of a working group to further promote coordination across federal and state banking regulatory agencies on critical infrastructure and cyber-security issues. Cyber security breaches are at an all-time high. More hackers are attacking networks than at any other time in our nation’s history. The Gramm-Leach-Bliley Act requires credit unions to design, document, and implement an information security program to fend off these attackers. In fact, eighteen months ago, the FFIEC issued guidance titled Supplement to Authentication in an Internet Banking Environment to further develop the documentation requirement of the information security program at credit unions. This important guidance reinforces the reality that credit unions must have a documented risk management framework and a documented layered information security program commensurate with identified risks.


This webinar will outline what credit unions should do to design and document an effective information security program. It will review the important regulation to ensure your credit unions can produce the necessary documentation for management, auditors, and examiners. Many credit unions struggle with efficient ways to document  security policies, procedures, standards, and guidelines. This informative webinar will aid your credit unions in  documenting an information security program that meets regulatory scrutiny, yet is maintainable even with limited resources.


  • Blueprint for an information security program customized for credit unions
  • Leveraging risk assessment and IT auditing to define and test your information security program
  • Review minimum documentation set
  • Security policy, procedures, plans, and standards
  • Configuration standards
  • Construction of a network diagram
  • Meeting minutes
  • Security awareness documentation
  • FFIEC IT handbooks to create information security program documentation
  • FDIC officer’s questionnaire
  • Information security documentation best practices
  • Information security program documentation tool demonstration

December 12
12 Steps to Effective Expense Control: Practical Techniques for Cutting Costs & Increasing Profits
G. Michael Moebs, CPA, MBA, Moebs $ervices, Inc.
Each financial institution is unique in the marketplace, with a number of variables to consider when pricing loans, deposits, and services. But the one common denominator is the bottom-line challenge: you need to be profitable to survive. If 2013 has been a challenging year, this webinar is for you.

A complete walk-through of your costing methodology is like a good car tune-up and should be done periodically.  There are many methods of estimating costs and evaluating their impact on the bottom line. In this webinar a simple formula for developing cost is presented. Understanding economies of scale is one of the secrets to good expense and cost control. Whether it is managing direct costs or understanding overhead expenses, this webinar will assist you with expense control. Join us to learn strategies to reduce expenses and benchmarks. 


  • Easy ways to estimate costs, plus benchmarks for comparison
  • What your economy of scale can tell you about strategic options
  • Twelve steps to reduce cost
  • How to get buy in
  • When “rules of thumb” work…or don’t
  • How important is hard data?
  • What to do when there is no hard data
  • The downside to cutting costs
  • Three areas you can always cut
  • How smart is the competition?

December 17
Regulation E vs. ACH Rules: Which One Prevails?
Karen Sylvester, AAP, NCP, EPCOR
How many times have you battled with following ACH Rules requirements versus Regulation E? ACH Rules may necessitate one action, while Regulation E may dictate another. Does a consumer have 60 days from settlement date to return an unauthorized ACH transaction or from their statement date? What does “promptly” mean pertaining to provisional credit? This webinar will help answer frustrating questions while exploring day-to-day payment-processing dilemmas.


  • Define where/if there are contradictions between Regulation E and the ACH Rules
  • Which prevails regarding disclosures, returns processing, notice language, provisional credit, and more
  • Appropriate financial institution actions


December 18
Top 10 Questions Board Members Need to Ask Now!
Diane Pape Reed, CUDoctor
While the majority of credit union board members have years of experience and know-how, today’s regulatory environment is causing many to revisit how they operate as board members. With every decision, there's the risk of overlooking the obvious or causing dissension.  Sometimes board members simply “rubber stamp” management’s plans, policies, and reports to avoid this. 

This webinar will address the ten questions board  members should be asking and offer insight on avoiding common pitfalls in board management. What's important now? What happens if we don't do things exactly like the regulators want? What issues need monthly or annual  review? What about the new educational requirements?  What is our personal liability? From regularly reviewing and revising bylaws and required policies, to establishing standing rules, this webinar will provide checklists and sample board calendars to help manage and organize board operations.


  • The difference between bylaws and standing rules
  • Samples of several standing rules which may help you avoid the most common board mistakes
  • Learn what needs to be included in your board training program
  • How to better manage policy and program reviews required by regulators


For more information, please contact Judy Phillips 

Related Files
2014 Updated Course Listing & Registration Form (Adobe PDF File)

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